A transaction moves value on the platform — converting between fiat and stablecoin, or transferring stablecoin between wallets. Each one has:Documentation Index
Fetch the complete documentation index at: https://docs.lumx.io/llms.txt
Use this file to discover all available pages before exploring further.
- A type defining the direction of the conversion.
- Source and target currencies with amounts.
- A lifecycle status tracking progress.
- Payment details and receipts on completion.
Transaction types
| Type | Description | Example |
|---|---|---|
| On-ramp | Fiat to stablecoin. The customer sends fiat and receives stablecoins in their wallet. | Deposit BRL via PIX, receive USDC. |
| Off-ramp | Stablecoin to fiat. The customer’s stablecoins are sent to a destination. | Convert USDC to USD via wire transfer. |
| Transfer | Moves stablecoins between wallets without conversion. To another customer or external address. | Send USDC to another customer’s wallet. |
Transaction lifecycle
Each transaction type has its own status progression:- On-ramp
- Off-ramp
- Transfer
AWAITING_FUNDS → TRANSFERRING_FIAT → TRADING → TRANSFERRING_STABLECOIN → SUCCESSSubscribe to webhooks to receive real-time
notifications when transaction statuses change.
Transaction purpose
Every on-ramp and off-ramp carries apurpose field — the end-use category of the funds. Banking partners and correspondent banks on the rail use it for AML screening, cross-border reporting, and how the receiving institution classifies the deposit. Pick the value that matches what the funds are actually being used for; mismatches can hold up the transaction or trigger an RFI.
| Purpose | Use case |
|---|---|
PERSONAL_ACCOUNT | Personal transfers to own accounts (requires SELF destination relationship) |
INVESTMENT | Investment-related transactions |
REAL_ESTATE | Real estate purchases or payments |
TRADE_TRANSACTIONS | Commercial trade and goods |
TAX | Tax payments |
LOAN | Loan disbursements or repayments |
BILLS | Bill payments |
EXPENSES_REIMBURSEMENT | Expense reimbursements |
PROFESSIONAL_SERVICES | Professional service payments |
Payment expiration
On-ramp transactions have a payment window. If the customer doesn’t complete the fiat payment in time, the transaction expires.| Exchange rate type | Expiration |
|---|---|
| Locked | Matches the exchange rate quote expiration. |
| Floating (PIX, SPEI) | 1 day. |
| Floating (other rails) | 7 days. |
Late deposits
If a fiat deposit lands after the transaction has expired, Lumx doesn’t process the on-ramp. The funds are refunded to the original sender on the same rail used for the deposit. Start a new on-ramp if the customer still wants to convert.Related resources
Customers
Approved customers are required to run transactions.
Exchange Rates
Floating and locked rates that drive conversion pricing.
Destinations
Where off-ramp funds land.
Payment rail cut-off times
Settlement windows and rail-by-rail deadlines.